Mobile Home Insurance

If you are one of the lucky ones that have the luxury of a mobile home, otherwise known as a park home, then you may wish to ensure that you have  mobile home insurance for it. Your mobile home will be your home away from home; you might spend the summer months in it for example and only return to your true residence during the winter months. As the result you will have furnished your mobile home just as any other home. With this in mind there are several considerations that you may have to bear in mind when it came to choosing insurance.

Most but not all insurer’s policies will include some level of insurance for your possessions and items in the mobile home. Having new for old protection could be a good choice as if the worst happened and items were lost, damaged or destroyed they would be replaced as brand new. However there will usually be limitations and exclusions in any policy and these would need checking before taking out the protection. For example certain items might not be included in your policy; these could include any items of particular value such as expensive jewellery.

If you plan on renting out your mobile home then you could check the mobile home insurance policy to see if accidental damage was included in the policy. When renting out, especially to families with small children, very often accidents happen and sometimes it is the expensive items in the mobile home that are damaged and need replacing and without accidental damage cover you would have to pay for replacements out of your own pocket. You may also need to have liability cover if you are renting and this would ensure that if anyone renting your home were to get hurt through a fault of yours they would be able to claim on your insurance.